Start smart. Scale strong. Stay protected.​

  1300 475 092   hello@withpocket.com.au

Business & Office Insurance

Your laptops, stock, and office furniture aren't free... protect them

Fire, theft, flood, or vandalism, if your business equipment and stock are damaged or stolen, Business & Office Insurance replaces them so you can keep trading. Without it, you’re paying out of pocket to replace everything.

Get a quote
Schedule a free call

What could go wrong

(and why you need this)

Scenario 1

The office break-in

You run a 7-person creative agency. Someone breaks into your office over the weekend and steals 8 laptops, 2 monitors, a camera, and your coffee machine.

Replacement cost: $35,000*. You need these to work on Monday. Without insurance, that’s coming from your cash flow, right when you can least afford it.

What Business Insurance covers

Full replacement cost for all stolen items, temporary equipment hire while you wait for replacements, and costs to repair the damaged door and window.

Scenario 2

The water damage disaster

A pipe bursts in your office overnight. By morning, your carpet is ruined, your desks are warped, your stock is destroyed, and your server is fried.

Damage: $45,000*. You can’t operate from the office for 3 weeks while it’s repaired.

What Business Insurance covers

All damaged property and stock, cost to repair the premises (if you own it), temporary relocation costs, lost income while you can’t trade.

Scenario 3

The laptop that walked away

Your employee’s laptop was stolen from their car while they were visiting a client.

It contains client work and confidential information. Laptop cost: $3,500*. Data recovery and client notification: $8,000*.

What Business Insurance covers

Laptop replacement, data recovery costs, and forensic investigation (often bundled with Cyber cover).

Scenario 4

The fire that destroys everything

A fire starts in the building next door and spreads to your premises.

Your entire office, including equipment, furniture, stock, and records, is destroyed. Total loss: $120,000*. You need to set up elsewhere immediately to keep the business alive.

What Business Insurance covers

Full replacement of contents, temporary premises costs, business interruption during relocation, and lost income during downtime.

What this actually covers

Business Pack Cover

Business Contents cover usually includes

  • Office equipment (laptops, computers, printers, monitors)
  • Furniture (desks, chairs, filing cabinets)
  • Stock and inventory
  • Tools and equipment
  • Portable equipment (laptops, phones, tablets used outside the office)
  • Cash on premises (limited—usually $500-2,000)
  • Documents and records (cost to recreate)

Building cover (if you own the premises):

  • Structure and fixtures
  • Renovations and improvements
  • Permanent installations
  • Damage to the building itself

Optional extras often included

  • Portable equipment extension (laptops used off-site)
  • Glass breakage
  • Theft by employees (separate fidelity cover)
  • Business interruption (lost income during repairs)
  • Temporary relocation costs
  • Tax audit costs (preparation for ATO audits)

What's typically not covered

A business pack and office pack won’t cover every aspect of your business, and you may need to obtain separate policies.

  • Deliberate damage by you
  • Wear and tear or gradual deterioration
  • Unattended vehicles (unless specifically covered)
  • Cyber incidents
  • Professional liability

When you need this

By business stage

Start smart

Pre-launch to first year

You need this when:

  • You have equipment worth more than $5,000
  • You’re holding stock or inventory
  • You’re working from a commercial premises or co-working space
  • You’ve bought laptops, tools, or equipment to run the business
  • Your lease requires building insurance (if you’re liable for improvements)

Typical coverage

List everything: laptops, monitors, phones, furniture, and stock. Add it up. That’s your sum insured. Most founders underestimate by 30-40%.

Scale strong

Growing and hiring

Your cover needs to increase when:

  • You’ve bought more equipment for your growing team
  • You’re holding larger inventory levels
  • You’ve moved to a bigger office with more furniture
  • You’ve invested in specialised equipment or machinery
  • Your lease makes you responsible for building improvements

Typical coverage

$20,000-$50,000 for most startups with basic equipment.

Stay protected

Established and optimising

Review your cover annually:

  • Update your sum insured when you buy new equipment
  • Check depreciation—replace with “new for old” cover if possible
  • Add portable equipment extension if the team works remotely
  • Consider business interruption cover (lost income during repairs)

Typical coverage

This is where things get custom, and you need to talk to the team at Pocket to evaluate your specific needs.

Common questions

Founders actually ask

Can I insure my home office equipment?

Yes, but check your home and contents policy first—it may already cover some business equipment (usually up to $5,000-$10,000).

For anything beyond that, you need separate business insurance.